AppMan Presents: "How to Secure a Standard Rating for Clients with Sleep Apnea"
 

Are you experiencing difficulties in placing your clients with sleep apnea at a standard rating?

There are an increasing number of individuals diagnosed with obstructive sleep apnea syndrome (OSAS), even though it has been recognized for only the past 20 years. This sleep disruption can cause daytime somnolence which increases the risk of accidents, and is also thought to increase the risk for all types of cardiovascular disease. Sleep apnea is diagnosed with an overnight sleep study, and is almost always readily treatable, usually with a breathing device used at night time. However, compliance with the use of this breathing device is often less than ideal. For these reasons the insurance industry, in general, has taken a rather conservative approach to treating this entity. The good news is if your client complies with the treatment for sleep apnea, the case could be standard. Let me, the AppMan, show you how to secure a Standard Rating for your sleep apnea clients.

Let's look at an example:

• Male, Age 62
• Weight good with BMI = 27
• Diagnosed with OSAS three years ago with respiratory distress index (RDI) of 28
• Prescribed CPAP breathing machine, and attending physician’s notes show compliance

Offer: STANDARD
The following factors are important in selecting the best cases:

• Good weight (BMI less than 30)
• RDI not in the severe range
• Compliance with CPAP or other treatment
• Other cardiovascular risk factors (blood pressure, lipids, family history) are also favorable

Our carriers have taken an aggressive approach toward sleep apnea. In almost every case, if there is reasonable compliance with treatment, the case could be standard. Depending on the rest of the cardiovascular risk profile, the person could even qualify for preferred!

Call our Marketing Department at 800-888-2829 for a quote today!

Written by: AppMan, Formerly Adam Manning